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Digit Bike Insurance Claim

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    Network Garages1,000+
    Claim Settlement Ratio80.47% in FY20
    Emergency AssistanceAvailable 24/7
    Number of Customers90 lakh+
    Claim ProcessDigitally Enabled
    Presence70+ cities

    Digit Bike Insurance Claim

    Digit General Insurance has earned the trust of several people by insuring them through its effective bike insurance policies. It has efficiently settled the claims of its policyholders over the years.

    To help its policyholders during claim settlement, Digit General Insurance has developed a user-friendly website with an active online chat and helpline numbers.The policyholders can undergo a seamless claim settlement procedure through the steps mentioned below.

    List of Documents Required During Claim Settlement

    Following are the documents required for claim settlement process of a two-wheeler insurance policy in case any of the following events takes place:

    1. In Case of an Accident

    • Original policy documents of two-wheeler insurance policy
    • Duly filled and signed claim form
    • Copy of Registration Certificate (RC)
    • Copy of Driving License
    • Copy of FIR (First Information Report)
    • Original tax receipts
    • Estimate of cost of repairs
    • Payments receipts/bills once the repair has been done

    2. In Case of Third Party Claims

    • Duly filled and signed claim form
    • Original/Copy of two-wheeler insurance policy
    • Copy of Registration Certificate (RC)
    • Copy of Driving License
    • Copy of FIR (First Information Report)

    3. In Case of Theft

    • Documents required in case of an accident along with below mentioned additional documents
    • ‘No Trace Report’ of the insured two-wheeler from the police.
    • Duly filled and signed 26, 28, 29, 30 and 35 Forms
    • Original Registration Certificate (RC)
    • Theft declaration from Regional Transport Office
    • All sets of keys/Warranty Card/Service Booklets

    How to Make Digit Cashless Bike Insurance Claim?

    Digit General Insurance has formulated the bike insurance claim procedure in the following simple steps to facilitate its policyholders with a hassle-free experience.

    Step 1: Contact Digit General Insurance

    To initiate the claim settlement procedure, the policyholder should immediately inform the insurer after the incident, be it theft, accident or any damage to the bike. You can get in touch with Digit General Insurance by dialling 1800-258-5956 or 1800-103-4448. The call should be made within 24 hours of the unfortunate event of an accident. You may intimate the user by emailing at It is advisable to click pictures of the place where the unfortunate event had occurred and collect the number of witnesses as it may serve as proof when you register for the claim.

    Step 2: Register a Claim

    A company executive reverts back to you. You must provide the policy number as well as the incident details. The executive will provide you with a claim registration number, which you should keep for further use.

    Step 3: Survey of Damages

    A company surveyor is sent to examine the extent of the damages caused to the bike during the accident. Provide the vehicle registration number in the case of third-party property damage. You can even include contact details for any witnesses as proof.The surveyor estimates the cost of repair and collects the duly filled claim form, policy documents and proves of the incident. The insured’s bike is moved to the nearest network garage.

    Step 4: Claim Settlement

    After assessing all the aspects, the surveyor gives approval. The insurer confirms its financial and legal liabilities and pays all the expenses of repair of the insured’s bike to the garage. The claim amount is calculated taking the deductibles and depreciation into consideration.

    How To Make Digit Reimbursement Bike Insurance Claim?

    Digit offers its policyholders the choice of being paid for the cost of repairing the insured's bike in a garage other than a network garage.The policyholder can undergo the reimbursement by following the simple steps mentioned below.

    Step 1: Contact the insurer

    The insurer should be informed immediately after the theft, accident or any damage to the bike. You can intimate a reimbursement claim by calling their toll-free number 1800 258 5956 or 1800 103 4448 or by sending a mail at You may also visit the nearest branch to inform the insurer. It is advisable not to move the insured’s bike before the survey.

    Step 2: Register a claim

    Following the claim notice, an insurance company executive contacts you. You must tell the executive of the policy number as well as the details of the accident.The executive informs you about the procedure and provides you with a claim registration number.

    Step 3: Survey of the Damages Incurred

    After registering the claim, a surveyor is sent by the insurance company to the location of the mishap to inspect the extent of the damages incurred by the bike due to the accident. After the assessment of damage, you can move your bike to your desired garage for repairs.

    Step 4: Repair and Reimbursement

    After the repair is completed, you must provide the original bills and receipts, as well as policy documents and other required documents, to the insurer in order to file a reimbursement claim.The company verifies the details and finally disburses the claim amount after taking into consideration all the deductibles and depreciation.

    Bike insurance starting from Rs.482/year*
    • Save upto 75%*
      Lowest Bike Premiums
    • 11.5 Lakh+
      Happy Customers
    • Claim Support
      7 days a week

    *TP price for less than 75cc two-wheeler. All savings/offers are provided by the Insurers which are subject to modification. Terms and conditions apply

    Common Digit Bike Insurance Claim Rejection Reasons

    Digit General Insurance has set some standards that every policyholder needs to follow to settle a claim. The insurer rejects the claim under the following circumstances:

    • Act of negligence
    • Misinterpretation of facts
    • Registration of a fraud Claim
    • Lack of details required to process the claim
    • Delay in intimation about the mishap to the insurer
    • Driving without a licence or under the influence of alcohol or intoxicating drugs

    Go Digit No Claim Bonus

    Go Digit and all other insurance providers in India offer No Claim Bonus along with the own-damage covers for two-wheelers. Customers can purchase this type of cover either as a standalone own-damage cover or as part of a comprehensive insurance plan. The NCB is offered only for claim-free years and is cumulative in nature. Thus in the fifth consecutive year, it reaches its maximum limit of 50 per cent. However, whenever a policyholder files for an insurance claim, no matter how minor the NCB is disabled. To protect the NCB as long as possible, policyholders are advised to file a two-wheeler insurance claim only when the damage to the two-wheeler is serious and the claim amount exceeds the NCB.

    The insurance holder must also renew their two-wheeler insurance policy on time to maintain the NCB valid. Failure to do so will make the NCB invalid, causing losses. Because it is difficult to keep track of expiry dates in our busy lives, policyholders let their customers have a grace period.For (0 days after the expiry date the policyholders have a chance to renew their insurance even though the expiry date is over. But any further delays are not entertained by the insurance provider. However, do not be concerned about losing your NCB if you change insurance providers or sell your current two-wheeler for a new one.It is a transferable benefit and will be done by the insurance providers with no hassle on your side.

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    33 Digit Cashless Garages in India

    Insurance Products by Digit General Insurance

    Digit Bike Insurance Claim FAQs

    • Where can I receive the claim form of the Digit bike insurance ?

      You can either download the claim form for Digit bike insurance policy from its official website or pick up a hard copy of the claim form from the nearest branch.
    • If my bike is stolen, how can I file a claim for insurance?

      You must file an F.I.R. at the nearest police station if the insured's bike is stolen. To file a claim, you must submit a photocopy of the FIR and other documents, the bike keys, and a non-traceable certificate to the insurance company.
    • Can I file a claim under the Digit bike insurance policy if there is any consequential damage?

      No, under the Digit bike insurance policy, you cannot submit a claim for any consequential damage.
    • How do I find the nearest network garage?

      The nearest network garage can be found on the official website of Digit General Insurance under the services section. 1.Select "Find Garages" 2.Choose the city and manufacturer of the insured’s bike The website gives a list of garages as well as their addresses.
    • Is there a deadline for filing a bike insurance claim?

      The claim process is, indeed, time-limited. It is best to inform the insurance company within 24 hours of the incident.
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    #Applicable on non-inspection cases i.e. existing policy has not expired or when buying a policy for a new vehicle.